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(I) Noti~e of Changes The Note Holder will mail or deliver to me a notice of any changes in the amount of my monlhly payment before lhe effective date of any change. The notice will include information required by law to be given me and also lhe title and telephone number of a pen;on who will answer any question I may have regarding the notice." B. ClIARGES; LIENS Uniform Covenant 4 of the Security Instrument is amended to re-dd as follows: 4. 0uIrges;. Liell5. Borrower shall pay all taxes. assessmenls, and olher charges, fines and impositions attributable to the Pmperty which may allain a priority over this Security Instrumenl, and !C'dsehold payments or ground rents, ifany, in Ihe manner provided under paragraph 2 hereof or. if nol paid in such manner, by Borrower making payment, when due. directly to the payee thereof. Borrower shall promptly furnish to I.ender all notices of amounts due under this paragraph. and in the event Borrower shall make payment directly. Borrower shall promptly furnish to Lender receipts evidencing such payments. Borrower shall promptly discharge any lien whIch has priority over this Security Instrument; provided. that Borrower- shan not be required 1.0 discharge any such Hen sO iong as Borrower: (a) shaH agree in writing to the payment of the obligation secured by such lien in a manner acceptable to Lender; (b) shall in goodfailh contest such lien by, or defend againS! enforcement of such lien in. legal proceedings which in the opinion of Lender operate to prevenllhe enforcement of the lien or foribture of Ihe Property or any part thereof: or (c) shall secure from Ihe'holder of such lien an agreement in a form satisfactory to Lender subordinating sUl:h lien 10 I his Security Instrumenl. If Lender determines that all or any part nf Ihe Property is subject 10 a lien which may attain a priority over this Security Inslrllm~nt, Lender shull send Borrower notice identifying sUL-h lien. Borrower shall satisfy such lien or take one or morc of theactlons set forth above within tcn days of the giving of rWlii.."c. 83-006820 C. NOTICE Uniform Covenant 14 of lhe Security Instrument is amended to read as foHows: 14. Notice. E.'\cept for any notice required under applicable 13\\ to be given in another manner, (a) any notice to Borrower provided for IJl this SecurilY Inslrument shall be gIven by delivering it or by mailing it by tiTSt class mail addfL'!o.-sed to Borrower at the Property Addn."Ss or at ,uch othtr address as Borrower may designate by notice to Lender as provided herein. and (b) any notice to Lender shall be gIven by first class mail to Lender's address stated herein or to-such other address as Lender may designate by notlct to Borrower as provided herein. Any notice provided for in this Security Instrument shall be deemed to have ~n given to Borrower or Lender when given In the manner designated herein. D. UNIFORM SJo:CURITY INI't"TRUMENT; GOVERNING LAW; SEVERABILITY Uniform Covenant 15 oftht' Scc.:urily InslrUmenll:-; amended 10 read as follows: IS. Uniform Security Instrument: Gu.erning Law; Severability. This form of Securily Instrument combines uniform t;ovenunts for national UM; and n~,:m~uniform \'"0\ e-nanh wllh limited variations by jurisdiction 10 constitute a c ;~:lrm securily instrument covering real property. ThIS Securi,y Instrument shall be governed by federal law and the law ( .Ihe )uri.."tdictiofl in which the: Property l!t located. In the c\"c-nt Ihat any provision or clause of this Sl"Curity Instrument or the No'econfticts with applicable law. such mnfltcl ,hall nol alfect olher provisions of this Secu"ty Instrumenl or the Note which can he- 8,,'en effect without the conflicting prOVIS-h}ll. and to this end the provisions of this Security Instrument and the Note art' dedarctl to be scvc:rabJc. E. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER Uniform Covenant i 7 orthe Security InMrument is am~nded tn read as follows: 17. Transfer uf the Property ur a Benefieiallnlerest in Borrower, If all or :my part of the Properly or an interest Iherein is sold or transfern:d (or If a beneficiallf1ter~ In Borruwer i~ sold or transferred and Borrower is not u_ natural person) without Lender's prior wrjth~n \:onscot, Lender may. at Lcnder's oplion, declare aU the sums secured by this Security Instrument to be immedl3tdy due and payable, However, this option shuH not be eAcrcised by Lender if exercise is not authorized by Federalla". If Lender exen.:ises su(h opliun to ~celerah:'. lender shaH mail Borrower notice of acceleration in accordance with paragraph 14 hereof Such nOlice shall provide a period of nOlless than 30 days from the dale the notice is mailed within which Borrower may pay the sums declared due. If Borrower fails fO pay such sums prior to the expiration of such period, Lender may, without furl her notice or demand on Borrower. invoke any remedies permitted by paragraph 18 hereof. F. COVENANT DELETED Non.Uniform Cove"""t 21 of the S<:curity Instrument ("Futu'e Advanccs") is deleted. G. WAN CHARGES If tho: loan secured by tbe s...curilY Instrument "subjecl to a law which sets maximum loan charges. and lhat law is finally int.-:rp're-t~ so lhal the interest or-other l-oan "har-g\.'":S t..'{)lk'd~ Of to be coH~ted in connection with the loan exceed l"'rmiued limits, then: (I) any s.....h loan charge shall be reduc<'permitted hmit: and (2) any sums already collec'ed from Borrower which exceeded permitted limits will be refunded to Borrower. Lc:mkr may choose to make ,his refund by reducing the principal owed under the Note or by making a direcl paym<'llt 10 Ik>rrower. If a refund redue\", pOllcipal. the reduction will be treated as a partial prepayment under ,he Nole. H.L~ISl...ATlON If, after lho:date hereof. l!Jl8<;tme1\t or e.piration of appltcable laws hase the eft'ect <it her of rendenng the provisions of the Note. the SecurilY IhStrumcnt or this Adjustable Rate Rider (other than Ihis paragraph H) unenforceable according to IlItirt61tU. or all or atiy pan o(the sums ,,"'Cured hereby llncollectable. as otherwise provided in the Securil)' Instrument il'1d.tlUs Adj..~ Rat~ Rider. <)r of dinlllllshlllS tho: valli<: of t"nder's security. then Lender, at Lender', oplion. may <1<<"". .1l__ured by the Se.:Uflly Instrument w be ,mmediately dU<.' and payahle.